Market Gaps on Access to Finance - Bank of Valletta

E: Trade Credit- Firm Size
1 - 9: Micro 10 to 49: Small 50 to 249: Medium
Yes, Used 26 (53%) 29 (76%) 11 (73%)
Yes, Applied 2 (4%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 21 (43%) 9 (24%) 4 (27%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%)
E: Trade Credit- Economic sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 11 (69%) 18 (75%) 19 (61%) 8 (57%) 10 (59%)
Yes, Applied 0 (0%) 1 (4%) 1 (3%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 5 (31%) 5 (21%) 11 (35%) 6 (43%) 7 (41%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
E: Trade Credit- Firm Lifecycle
Emerging Developmen Expansion
Start-Up Growth t Growth Growth
Yes, Used 5 (50%) 1 (25%) 50 (67%) 10 (77%)
Yes, Applied 0 (0%) 0 (0%) 2 (3%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 5 (50%) 3 (75%) 23 (31%) 3 (23%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%)
F: Other loan (e.g. related company/ shareholders, family, friends) - Firm size
1 - 9: Micro 10 to 49: Small 50 to 249: Medium
Yes, Used 15 (31%) 10 (26%) 8 (53%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 2 (4%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 1 (3%) 0 (0%)
Did not use them – traditional bank finance suffices 2 (4%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 1 (2%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 29 (59%) 27 (71%) 6 (40%)
Did not use them – other 0 (0%) 0 (0%) 1 (7%)
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